Altra Federal Credit Union Visa® Now Credit Card
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| Purchase APR (Variable APR) | 8.90 - 12.90 |
| Balance Transfer APR (Variable APR) | 8.90 - 12.90 |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
Altra Federal Credit Union Visa® Now Credit Card Review
This is a card issued by Altra Federal Credit Union. If you're wondering whether Altra Federal Credit Union Visa® Now Credit Card is the right card for you, read on.
Key Takeaways
- Competitive APRs. Altra Federal Credit Union Visa® Now Credit Card has a variable purchase APR that ranges from 8.90% up to 12.90%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, purchase protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Altra Federal Credit Union Visa® Now Credit Card
| The Good | The Bad |
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Altra Federal Credit Union Visa® Now Credit Card FAQ
Does Altra Federal Credit Union Visa® Now Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Altra Federal Credit Union Visa® Now Credit Card benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Altra Federal Credit Union Visa® Now Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Altra Federal Credit Union Visa® Now Credit Card has a variable purchase APR that ranges from 8.90% up to 12.90%. The card has a variable balance transfer APR that ranges from 8.90% up to 12.90%. It also has a variable cash advance APR that ranges from 8.90% up to 12.90%.
Does Altra Federal Credit Union Visa® Now Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Altra Federal Credit Union Visa® Now Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Altra Federal Credit Union Visa® Now Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $25 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Altra Federal Credit Union Visa® Now Credit Card have a foreign transaction fee?
Altra Federal Credit Union Visa® Now Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Altra Federal Credit Union Visa® Now Credit Card?
The Altra Federal Credit Union Visa® Now Credit Card customer service number is (800) 755-0055.
What is the support contact email for Altra Federal Credit Union Visa® Now Credit Card?
The support contact email for Altra Federal Credit Union Visa® Now Credit Card is info@altra.org.
What is the Altra Federal Credit Union Visa® Now Credit Card login page?
You can access the Altra Federal Credit Union Visa® Now Credit Card login page here.
How do people rate the customer service and user experience of Altra Federal Credit Union Visa® Now Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Altra Federal Credit Union Visa® Now Credit Card report your account activity to credit bureaus?
Yes, Altra Federal Credit Union Visa® Now Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Altra Federal Credit Union Visa® Now Credit Card
- Visit the Altra Federal Credit Union Visa® Now Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
1700 Oak Forest Drive
Onalaska, WI 54650 USA - (800) 755-0055
- Visit Site
- Email Support
Other Services by Altra Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | 15 |
| Cash Advance Fee (%) | Starting at 5 |
| Minimum Cash Advance Fee ($) | Starting at 15 |
| Foreign Currency Transaction Fee | 1 |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to 25 |
| Paper Statement Fee | 5 |
| Late Fee Amount | Up to 25 |
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